Whole life policies are going to vary by company and depends if they were initially overfunded or min funded, but generally if one stops funding earlier than the initial design or skips a few years premium then it wont look near as good.
For those focused more on accumulation, they should purchase min death benefit and a high early cash value product that has good contractual guaranteed rate. Agents don’t get paid very well on those because commission is mainly based on death benefit, but it gives the client a lot more flexibility.
Life insurance can be a great planning tool but it’s very disappointing to see how often it is not structured properly.
